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Reverse Consolidations For
Businesses With Multiple MCAs.

Take back control of your cash flow from multiple MCA payments.

The funding option for businesses with two or more Merchant Cash Advances that want to break the cycle. If you have multiple MCA payments cutting into your cash flow and are looking for a more sustainable way to run your business, then a Reverse Consolidation might be your perfect solution.

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Lower Payment Responsibility

Reduce the amount of your daily or weekly payment responsibility.

Preserved Lender Relationships

Keep your existing relationships with your lenders in good standing.

Improved Business Liquidity

Increase available cash flow to help cover your daily operating expenses.

Avoid Default Or Bankruptcy

Continue uninterrupted payments on the agreed-upon payment schedule.

Here's The Truth About
Reverse Consolidations.

A common misconception that many business owners have is that consolidating existing MCA balances will reduce the interest rate and overall payback. In actuality, the purpose of a consolidation of any kind is to combine multiple payments into one lower payment with the goal of simplifying financial commitments and freeing up cash flow. As opposed to refinancing, which would replace the existing funding with a new loan—sometimes at a lower interest rate, but often with a shorter repayment term that increases the business' payment obligation.

Here's the hard truth: If you are in a position where you are looking for a solution to multiple MCA payments, refinancing would hurt your business more than help, and it's unlikely you'd even qualify for that option anyway.

What Is A Reverse Consolidation?

Pink piggy bank standing in front of an open metal vault filled with cash

A Reverse Consolidation works differently.

Your existing lenders stay in place and continue getting paid exactly as agreed. Nothing is renegotiated. No payments are redirected. Instead, you receive weekly funding that covers your existing MCA payments while you make a single, lower payment to the Reverse Consolidation provider.

The result: Immediate cash flow relief for your business without negative effects.

A Real-World Example Of How A
Reverse Consolidation Works.

Every business' situation is different, but the mechanics of a Reverse Consolidation are the same.


Below is a simplified example showing how a Reverse Consolidation offer is structured and how multiple daily MCA payments can be restructured into a single, lower daily obligation and improve cash flow immediately.

Current positions to consolidate:


Lender Payment Balance
Lender 1 $517.50 $66,240.00
Lender 2 $443.75 $47,037.50
Lender 3 $547.50 $51,465.00
Lender 4 $370.00 $32,560.00
Total $1,878.75 $187,302.50

Example of a Reverse Consolidation offer:


Consolidation Offer: $187,302.50
New Daily Payment: $1,216.60

$622.22 $3,311.10 $13,906.62
Daily Savings Weekly Savings Monthly Savings

In this example, the business has 4 MCA positions totaling $187,302.50, with a daily payment of $1,878.75.


A Reverse Consolidation approval would be structured for the total outstanding balances, but stretched out over a longer repayment term than the existing advances. As a result, the business' daily obligation is reduced by approximately 42%, freeing up cash flow and improving liquidity immediately.


With a Reverse Consolidation, these savings start on Day 1.

Distribution Schedule:


WeekAmount
1$9,393.75
2$9,393.75
3$9,393.75
4$9,393.75
5$9,393.75
6$9,393.75
7$9,393.75
8$9,393.75
9$9,393.75
10$9,393.75
11$9,393.75
12$9,393.75
See Full Schedule
13$9,393.75
14$9,393.75
15$9,393.75
16$7,058.75
17$6,656.25
18$5,916.25
19$4,806.25
20$4,806.25
21$4,806.25
22$3,031.25
23$2,587.50
24$2,587.50
25$2,587.50
26$1,552.50

Reverse Consolidations are structured differently than traditional lump-sum funding. Rather than funding all at once, Reverse Consolidations are funded incrementally. Funds are distributed each week in the amount of that weeks' MCA payments.


In this example, a daily payment of $1,878.75 x 5 days per week = $9,393.75.


The weekly Reverse Consolidation distribution is intended to cover the existing MCA payments. With those payments being covered by the weekly distribution, the business is now only responsible for having to make the Reverse Consolidation payment of $1,216.60.


This decreases the daily payment obligation from $1,878.75 to $1,216.60, freeing up $662.22 of the business' cash flow each day.

Find out how much a Reverse Consolidation could save your business.

Qualification Requirements For Reverse Consolidations.

Another misconception about Reverse Consolidations is that they're a last resort for struggling businesses—a bailout for companies on the verge of collapse. Reverse Consolidations are not for companies that are in distress. If anything, the opposite is true. This solution is designed for business owners who recognize their current payment structure is unsustainable long-term and want to correct it before it becomes a problem.

This is not meant to stop the bleed. It's a preventative measure so there's never a bleed to stop.

Minimum Revenue

At least $30,000 in average monthly revenue over the last 4 months.

Minimum Time In Business

A time in business of at least 1 year or more, depending on the industry.

Holdback Percentage

A maximum holdback of no more than 35% of the business' monthly revenue.

Clean Payment History

Existing positions must be in good standing, with payments made on time.

Find out how much your business could be saving.

Application Process For Reverse Consolidations.

Applying for a Reverse Consolidation is a simple and straightforward process. Once you've submitted your application, you can have an answer within hours. Our process is designed to fit your needs. With minimal paperwork and a quick turnaround, securing the right funding has never been easier.

Step 1: Complete Your Application

Fill out our funding application and include your MCA balances and most recent bank statements.

Step 2: Get Approved For Funding

Our team will review your submission and provide tailored funding offers that suit your unique needs.

Step 3: Receive Your Funding Fast

Your business will receive funds in as little as 24-hours to help you manage cash flow and grow.

Stop Letting Stacked Payments Dictate Your Next Move.

Paying your lenders should never come at the expense of running your business. If multiple MCA payments are limiting your cash flow, there's a smarter way forward. Apply now and see how much a Reverse Consolidation could save your business.

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What is the difference between a Reverse Consolidation and refinancing?

Refinancing replaces existing debt with a new loan, typically with the goal of reducing the overall cost of borrowing. While that may lower the total payback amount, it does not necessarily reduce day-to-day payment pressure, and in many cases, it comes with shorter terms or stricter requirements.

A consolidation, on the other hand, is designed to address cash flow. By combining multiple obligations into a single, lower payment, consolidation reduces the business' daily outflow and provides immediate operating relief.

In short, refinancing focuses on long-term cost, while consolidation focuses on short-term survivability and cash flow stability.

How much will I save with a Reverse Consolidation?

Savings from a Reverse Consolidation typically range between 25% and 45% of a business' total daily or weekly MCA payment obligation. To get a more accurate idea of how much your business could save, you can use our Consolidation calculator, or apply now to see exactly how much your business would save., or apply now to see exactly how much your business would save.

What happens as my existing MCA balances are paid down?

As a Reverse Consolidation progresses, the existing MCA balances are paid down through the scheduled distributions. Each position continues to be paid as agreed until it is fully satisfied. As individual MCA balances are paid off, those positions naturally fall away. When that happens, the weekly distribution is reduced to reflect the remaining balances.

Throughout the process, the business continues making the same single, lower Reverse Consolidation payment. The immediate cash flow relief is realized from day one, while the structure becomes simpler over time as positions are eliminated.

Can I exit a Reverse Consolidation if I change my mind?

Yes. Reverse Consolidations are structured as week-to-week programs, not long-term locked commitments. A business can exit at any point if circumstances change or if it chooses to pay off the remaining balances early.

In the event that a Reverse Consolidation is exited early, the business is only responsible for the repayment of the weekly distributions it has already received.

Will a Reverse Consolidation affect my relationships with my lenders?

No. A Reverse Consolidation does not compromise existing lender relationships. Original lenders are not notified that a business has entered a Reverse Consolidation, and they continue to receive payments on the same schedule and terms originally agreed upon.

In many cases, a Reverse Consolidation actually helps preserve lender relationships by ensuring payments are made consistently and without interruption.

Why is a Reverse Consolidation funded incrementally?

Reverse Consolidations are funded incrementally to manage risk. Businesses entering a Reverse Consolidation are often already carrying multiple MCA positions, which increases the risk associated with any new funding.

Rather than advancing the full consolidation amount upfront, incremental funding allows the lender to support the business while limiting exposure. The lender is only at risk for the amount that has been distributed at any given time, not the full approval amount. This structure makes consolidation possible in situations where a traditional lump-sum consolidation would not be viable.

Is a Reverse Consolidation the same as debt settlement?

No. Reverse Consolidation is not debt settlement and does not involve intentionally withholding payments from lenders.

Debt settlement places a business into default by stopping or diverting payments in order to force creditor action. That process typically results in legal judgments, damaged relationships with lenders, and long-term restrictions on future funding options.

Reverse Consolidation takes a different approach. Existing advances remain in place and are repaid according to their original terms. The structure is designed to stabilize cash flow while allowing obligations to be met, rather than disrupted. Payments continue to be made, and lenders are not forced into action.

Can I get funding while I'm in a Reverse Consolidation?

Possibly. Whether additional funding is available during a Reverse Consolidation depends on the specific structure in place and is ultimately at the discretion of the Reverse Consolidation provider.

Once a Reverse Consolidation is active, businesses should avoid taking on new lender relationships independently. Introducing new funding or renewal funding without coordination can disrupt cash flow projections and jeopardize the consolidation structure itself. For that reason, any additional capital needs should be discussed directly with the Reverse Consolidation provider first.

Uncoordinated advances may result in the consolidation being terminated, at which point the business becomes fully responsible for all existing advance payments while remaining obligated under the consolidation agreement.

In many cases, if additional capital is needed, the Reverse Consolidation provider can evaluate the situation and determine whether supplemental funding can be structured in a way that aligns with the existing consolidation and preserves cash flow stability.

FAQs About Reverse Consolidations.

Understanding how a Reverse Consolidation works and how it can help your business regain control of its cash flow is crucial. Explore our Frequently Asked Questions to get the clarity needed to make an informed decision on whether a Reverse Consolidation is the right fit for your business.

If you have a question that wasn't answered here, you can contact us or you can schedule a complimentary funding consultation to review your specific situation with a dedicated funding consultant.

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